The Reality: “Pending Review” is often a catch-all parking lot, not an active process. It usually means the file is sitting in a queue waiting for a human to look at it. The Hidden Cause: The most common operational reason for this delay is “Dollar Authority.” Your adjuster might need a supervisor’s permission to pay … Read more
The “Black Hole” Phase: The period between the inspection and the estimate is the most common stall point. It is usually operational rather than malicious. The “Field to Desk” Handoff: The person who visited your house often does not have the authority to send the check. They must upload their work to a desk adjuster … Read more
It is not your Policy Number: Your Policy Number identifies your account (who you are). Your Claim Number identifies this specific damage event (what happened). Do not mix them up. The Submission Rule: In claims operations, documents without a Claim Number risk getting lost in a “general correspondence” queue. Write this number on absolutely everything … Read more
The Core Problem: Silence after an inspection often means the report is stuck in a “handoff gap” between the field inspector and the desk adjuster. The Diagnosis: You need to identify if the report was uploaded, if it passed quality assurance (QA), or if the desk adjuster is just sitting on it. The Fix: Stop … Read more